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Wealth Management

Cardif Lux Vie aims to offer asset structuring solutions to "High Net Worth Individuals" and "Ultra High Net Worth Individuals".

Whether they are looking for inheritance solutions, in an expatriate situation or even internationally mobile individuals, Cardif Lux Vie works for its clients in strict compliance with international legal and fiscal rules.

Marketing its extensive range of products within the framework of the European directive on Freedom Of Services (FOS), the company offers personalised solutions to the residents of many European countries including: France, Luxembourg, Belgium, Spain, Italy, Portugal and the United Kingdom.

Cardif Lux Vie develops its business activities on the basis of in-depth legal studies in order to ensure compliance with current rules on product eligibility, distribution and taxation.

With a strong and independent corporate culture based on an open architecture, the Company guarantees a high level of performance and success. Business is also developed with internal partners of the BNP Paribas group as well as financial institutions, major European private banks and independent broker networks, in strict compliance with Luxembourg regulatory obligations.

Cardif Lux Vie's ambitions

  • International diversification based on a selective approach to markets;
  • Tailored, durable life insurance solutions underpinned by a comprehensive range of wealth engineering tools;
  • Legal, tax and financial expertise in all its markets;
  • Proven know-how in establishing high-quality, high added value partnerships.

Extensive experience in support of a complete offering

  • An international legal team;
  • A wealth planning department;
  • A multi-cultural environment  with 18 different nationalities.

Financial expertise of Cardif Lux Vie

  • More than 4.250 Internal Dedicated Funds (57% of AUM);
  • Partnership agreements with 230 asset managers and 100 depositary banks in place;
  • More than 950 External Funds available;
  • General Fund managed from Luxembourg (€7.6 billion).